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  4. Individual Accident and Health Provisions

Free Individual Accident and Health Provisions Practice Questions

Maine Accident & Health exam — 60 practice questions.

Subtopics: Insuring clause, Free look, Grace period, Reinstatement, Proof of loss, Time of payment of claims, Physical exam and autopsy, Legal actions, Change of beneficiary, Time limit on certain defenses, Guaranteed renewable, Noncancelable, Entire contract, Notice of claim, Claim forms, Payment of claims, Change of occupation, Misstatement of age, Illegal occupation, Intoxicants and narcotics, Conformity with statutes, Conditionally renewable, Cancelable, Probationary period, Elimination period, Coinsurance, Free look provision, Consideration clause, Pre-existing condition provision, Sickness waiting period, Other insurance in this insurer, Insurance with other insurers, Other insurers per diem, Unpaid premium, Cancellation provision, Flat deductible, Per-cause deductible, All-cause deductible, Corridor deductible, Integrated deductible, Carryover provision, Common accident provision, Restoration of benefits, Benefit period medical, Lifetime maximum benefit, Assignment of benefits, Facility of payment, Period of coverage, Standard and optional provisions

Read the Individual Accident and Health Provisions study guide

Sample questions & answers

1. The insuring clause of a health insurance policy primarily:

States the insurer's basic promise to pay benefits for covered losses

The insuring clause sets out the insurer's basic promise to pay benefits for the losses the policy covers.

2. The free-look provision in a health insurance policy lets the insured:

Return the policy within the stated period for a refund of premium

The free-look period lets the insured examine the policy and return it for a premium refund within the stated time.

3. The grace period in an individual health policy provides that:

The insured has additional time after the due date to pay before the policy lapses

The grace period gives the insured extra time after the premium due date to pay without the policy lapsing.

4. Under the reinstatement provision of a health policy a lapsed policy may be restored when the insured:

Pays overdue premium and, if required, provides evidence of insurability

Reinstatement generally requires payment of overdue premium and may require evidence of insurability.

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Practice: Individual Accident and Health Provisions

Take a randomized, timed-style practice test. Answer choices are shuffled and your results are scored instantly with an explanation for every question.

Practice questions are study aids generated for exam preparation and are not actual exam questions. Content is provided for educational purposes and is not legal advice. Verify current statutes, rules, and exam specifications with the Insurance Department and the exam administrator before relying on it.